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Overview / Commentary
G3381 Van Slyke Rd
Flint, MI 48507-3263

Financial Plus Credit Union is headquartered in Flint and is the 23rd largest credit union in the state of Michigan. It is also the 503rd largest credit union in the nation. It was established in 1952 and as of March of 2014, it had grown to 139 employees and 48,738 members. Financial Plus Credit Union has a A+ health rating.

Field of Membership Restrictions

Must live, work, worship, volunteer or attend school in Genesee County, Lapeer County, Shiawassee County or Deerfield or Tyrone Township in Livingston County. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Financial Plus Credit Union had $2.56 million in non-current loans and owned real-estate with $63.49 million in equity and loan loss allowances on hand to cover it. This gives Financial Plus Credit Union a Texas Ratio of 4.03% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Financial Plus Credit Union has $441.41 million in assets with $63.49 million in equity, resulting in a capitalization level of 14.38%, which is excellent.

Institution Statistics

NCUA #68646
Year Chartered1952
Primary Regulator
Assets and Liabilities
Assets$441.41 million
Loans$260.26 million
Deposits$377.72 million
Equity Capital$58.66 million
Loan Loss Allowance$4.83 million
Unbacked Noncurrent Loans$2.14 million
Real Estate Owned$422,000
Profit Margin - Quarterly
Return on Assets0.82%
Return on Equity6.16%
Interest Income$4.03 million

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Financial Plus Credit Union Savings Account Rates

0.10%--IRA Savings Account
0.10%--Roth IRA Savings Account
0.10%--Coverdell Education Savings Account
0.05%$1,500-Regular Share Account
0.05%--Christmas Club Savings
0.05%$1,500-Misc. Share Account

Financial Plus Credit Union Money Market Rates

0.30%$200k-Hi-Yield Plus Money Market
0.30%$200k-IRA Money Market Account
0.30%$200k-ESA Money Market Account
0.25%$150k-Premier 150 Money Market Account
0.23%$100k-Premier 100 Money Market Account
0.20%$75k-Premier 75 Money Market Account
0.15%$25k-Hi-Yield Savings Account

Financial Plus Credit Union Checking Account Rates

0.10%$10k-Tiered-Rate Checking
0.10%$15k-High-Rate Checking
0.05%$500-Green Checking

Financial Plus Credit Union CD Rates

1.25%$10k-60 Month Share Certificate Special - New Money
1.25%$5k-60 Month Relationship Share Certificate Special - New Money
1.20%$500-60 Month Share Certificate
1.10%$500-48 Month Share Certificate
0.80%$500-36 Month Share Certificate
0.80%$500-42 Month Share Certificate
0.65%$500-30 Month Share Certificate
0.45%$500-24 Month Share Certificate
0.45%$300-24 Month Start 'N Grow Relationship Certificate
0.45%$5k-24 Month Step Up Relationship Certificate
0.40%$500-18 Month Founders Club Certificate
0.40%$500-18 Month Benefits Plus Certificate
0.35%$500-18 Month Share Certificate
0.30%$500-12 Month Share Certificate
0.20%$500-6 Month Share Certificate
0.15%$10k-30-89 Day Share Certificate
0.15%$10k-90-179 Day Share Certificate

Financial Plus Credit Union IRA Rates

1.25%$5k-60 Month Relationship IRA Certificate Special - New Money
1.25%$10k-60 Month IRA Certificate Special - New Money
1.21%$5k-60 Month Step Up IRA Certificate
1.20%$500-60 Month IRA Certificate
1.10%$500-48 Month IRA Certificate
0.80%$500-36 Month IRA Certificate
0.80%$500-42 Month IRA Certificate
0.65%$500-30 Month IRA Certificate
0.45%$500-24 Month IRA Certificate
0.45%$300-24 Month Start 'N Grow Relationship IRA Certificate
0.45%$5k-24 Month Step Up Relationship IRA Certificate
0.40%$500-18 Month Founders Club IRA Certificate
0.35%$500-18 Month IRA Certificate
0.30%$500-12 Month IRA Certificate
0.20%$500-6 Month IRA Certificate
0.15%$10k-30-89 Day IRA Certificate
0.15%$10k-90-179 Day IRA Certificate

Financial Plus Credit Union Locations
Branch Office7048 Miller RdSwartz Creek, MI 48473
Branch Office8250 S Saginaw StGrand Blanc, MI 48439-1828
Branch Office15125 Silver PkwyFenton, MI 48430-3460
Branch Office5256 Corunna RdFlint, MI 48532-4107
Branch OfficeG3381 Van Slyke RdFlint, MI 48507-3263